NODB (North Dallas Bank & Trust Co) Moat Score: 2/10 (As of Jul. 03, 2026)


NODB North Dallas Bank & Trust Co NODB
59 GF Score
Price $64.05
GF Value $58.96
Valuation Fairly Valued
! 1 Warning Sign
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What is North Dallas Bank & Trust Co Moat Score?

North Dallas Bank & Trust Co NODB +0.39% 59 Moat Score is 2 as of Jul. 03, 2026. GuruFocus rates NODB with a GF Score™ of 59/100 and a GF Value™ of $58.96 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,611 Banks companies, North Dallas Bank & Trust Co ranks better than 59.84% on this metric.

North Dallas Bank & Trust Co has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

North Dallas Bank & Trust Co has No Moat: North Dallas Bank & Trust operates in a highly competitive banking sector with limited differentiation. It lacks significant network effects, brand strength, or regulatory advantages, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes North Dallas Bank & Trust Co might have No Moat - Very weak/transient advantages.

North Dallas Bank & Trust Co  (OTCPK:NODB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

North Dallas Bank & Trust Co Moat Score Related Terms

NODB vs EMYB, HNVR, MNAT: Moat Score Comparison

For the Banks - Regional subindustry, North Dallas Bank & Trust Co's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

North Dallas Bank & Trust Co Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, North Dallas Bank & Trust Co's Moat Score distribution charts can be found below:

* The bar in red indicates where North Dallas Bank & Trust Co's Moat Score falls into.


NODB
59GF Score
North Dallas Bank & Trust Co NODB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
North Dallas Bank & Trust Co (NODB) has a Moat Score of 2 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, North Dallas Bank & Trust Co ranks #647 out of 1611 companies in the Banks industry, placing it in the top 40.2%.
Is North Dallas Bank & Trust Co's Moat Score too high?
North Dallas Bank & Trust Co's current Moat Score is 2. Based on the distribution chart, North Dallas Bank & Trust Co ranks #647 out of 1611 companies in the Banks industry, which is above the industry midpoint. Overall, North Dallas Bank & Trust Co has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does North Dallas Bank & Trust Co's Moat Score compare to EMYB and HNVR?
According to the Banks industry distribution chart, North Dallas Bank & Trust Co ranks #647 out of 1611 companies for Moat Score. This puts North Dallas Bank & Trust Co in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. North Dallas Bank & Trust Co's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is North Dallas Bank & Trust Co stock overvalued right now?
Based on GuruFocus' analysis, North Dallas Bank & Trust Co (NODB) is currently considered Fairly Valued. The stock's GF Value™ is $58.96, compared to a current price of $64.05 — trading 8.6% above its estimated fair value. The current Moat Score is 2. North Dallas Bank & Trust Co's overall GF Score™ is 59/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For North Dallas Bank & Trust Co (NODB), the current Moat Score is 2 as of Jul. 03, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is North Dallas Bank & Trust Co (NODB) Overvalued in 2026?

Based on GuruFocus' analysis, North Dallas Bank & Trust Co stock appears to be overvalued. The current stock price of $64.05 is trading 8.6% above its estimated GF Value™ of $58.96. GuruFocus considers North Dallas Bank & Trust Co to be Fairly Valued.

Key valuation signals for NODB:

  • Moat Score: 2
  • GF Value™: $58.96 vs. price of $64.05 (8.6% above fair value)
  • GF Score™: 59/100 with 1 warning sign

No single metric tells the full story. See the NODB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

North Dallas Bank & Trust Co Business Description

Address 12900 Preston Road, Dallas, TX, USA, 75230-1329
North Dallas Bank & Trust Co operates in the banking industry. The bank performs general banking functions like savings accounts, granting loans, debit and credit card facilities, mortgage loans, retail banking, mortgage and commercial loans, deposit and wealth management services, online banking, investment management, retirement services, financial planning, and others.
59GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$64.05
Price
$58.96
GF Value